21st Mortgage in West Virginia vs the state
47.8%Denial rate+26.60 pts vs state
71.9%Decision denial rate+45.27 pts vs state
18.3%Origination rate-36.49 pts vs state
10.14%Median rate+3.52 pts vs state
4.49Rate spread (pts)+4.09 pts vs state
$64kMedian applicant income
157Loans originated
410Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 824 | 127 | 52.2% | 10.15% | #13 |
| 2024 | 884 | 180 | 46.7% | 9.52% | #13 |
| 2025 | 858 | 157 | 47.8% | 10.14% | #15 |
What 21st Mortgage lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 191 | 30 | 100 | 52.4% |
| Mercer County | 80 | 12 | 43 | 53.8% |
| Monongalia County | 70 | 16 | 23 | 32.9% |
| Raleigh County | 39 | 11 | 10 | 25.6% |
| Wood County | 33 | 2 | 24 | 72.7% |
| Nicholas County | 32 | 5 | 15 | 46.9% |
| Fayette County | 28 | 10 | 6 | 21.4% |
| Greenbrier County | 27 | 4 | 18 | 66.7% |
| Harrison County | 24 | 4 | 9 | 37.5% |
| Upshur County | 21 | 0 | 14 | 66.7% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 858 applications in 2025, of which 157 were originated and 410 denied.
47.8% of all applications, or 71.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans 21st Mortgage originated in West Virginia in 2025 was 10.14%, against a statewide median of 6.62%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology